It's incompetence...but in the modern era I don't trust that some of the refs aren't betting on games.
The average ref salary is ~200k USD...and my guess is they have outside influences offering them a lot more to influence games.
Too much visbility to who the refs are, too easy to access sports betting, and probably easy enough for a ref to hide it if they wanted to.
Too much money involved for me to just think that it's not happening even once.
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